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This policy applies to Excel Concrete Pty Ltd and its holding companies in Australia (Excel Concrete).

Excel Concrete respects the privacy of individuals. This policy outlines the way we manage personal information that we collect or that is provided to us in compliance with the Australian Privacy Principles (APPs), the credit reporting provisions in Part IIIA of the Privacy Act 1988 (Cth) (Privacy Act), and the Credit Reporting Code (CR Code).

In summary, the Privacy Act defines 'personal information' as information (or an opinion) about an identified, or reasonably identifiable, individual.

‘Credit information’, and credit eligibility information, are types of personal information relating to an individual’s credit worthiness. Credit information is, in short, personal information that comprises (among other information) certain identification information about an individual, consumer credit default history, and details about prior applications for credit. ‘Credit eligibility information’ is credit-related personal information that we receive from a credit reporting body and any information we derive from it, such as a credit score.

Why does Excel Concrete collect personal and sensitive information?

Excel Concrete is a leading producer and supplier of concrete (readymix). To operate our businesses, we need to collect some information about the people we deal with. Collecting personal information is also necessary in some circumstances to meet our legal obligations.

applicants who wish to open commercial credit accounts with us or apply to become a guarantor in relation to such credit;

our suppliers;

job applicants; and

other people who may come into contact with Excel Concrete or one of Excel Concrete's businesses.

What kind of personal information does Excel Concrete collect and how does Excel Concrete collect it?
The type of information we collect varies, depending on the purpose, and may include (but is not limited to) name, address, contact details, employment information, credit information, credit eligibility information and marketing information.

This information may be obtained through the submission of completed forms, information provided in person or by telephone by the individuals themselves, information voluntarily supplied to Excel Concrete by the individual or information obtained from a third party such as a credit reporting body or another credit provider.

Where required or reasonably practicable, we will obtain your express consent before collecting information about you from a third party, but in all cases if we collect personal information about you from a third party, we will take reasonable steps to ensure that you are made aware of the collection.

Excel Concrete also collects a range of credit information about individuals, including the following:

certain identification information about an individual, including full name, any aliases or previous names, date of birth, gender, drivers licence number, current and previous addresses, and the names of current and former employers;

consumer credit eligibility information about an individual, such as the name of their credit providers, the type of consumer credit, the maximum amount of credit available under the consumer credit, and the terms and conditions of the consumer credit;

default information about the individual (including whether the overdue amount has since been repaid);

details as to whether information requests have been made about an individual to credit reporting bodies by credit providers, mortgage insurers or trade insurers;

the type of commercial credit or consumer credit, and the amount of credit, the individual has sought from a credit provider; and

publicly available information about the credit worthiness of the individual.

Excel Concrete usually collects this information from application forms submitted by applicants for commercial credit, from publicly available sources, such as the ASIC registers, and from credit reporting bodies, other credit providers and industry credit bureaus (such as the Building Industry Credit Bureau www.bicb.com.au).

We also collect credit eligibility information about individuals from credit reporting bodies and other credit providers. The kinds of credit eligibility information we collect depends on the purposes for which it is collected, but it largely reflects the categories of credit information described above. Excel Concrete also derives certain information from the credit eligibility information it collects from credit reporting bodies. This derivative information generally takes the form of a credit score, which we give to applicants for the purpose of assessing applications for commercial credit and/or those applying to become guarantors.

How do we use personal information and to whom may we disclose it?
In general, Excel Concrete uses personal information to:

Generally, we require that organisations outside Excel Concrete, who handle or obtain personal information as service providers to Excel Concrete, acknowledge the confidentiality of this information, undertake to respect any individual's right to privacy and comply with the APPs and this Policy.

In most cases, if you do not provide information about yourself that Excel Concrete has requested, Excel Concrete may not be able to provide you with the relevant product or service.

Cross-border disclosure of personal information

Excel Concrete engages certain service providers (including those that do not have an Australian link for purposes of the Privacy Act) to store and process personal information offshore, including in some circumstances sensitive information and credit information, and credit eligibility information. The countries to which personal information may be disclosed include India, France, the Philippines, Switzerland and Singapore.

For instance, Excel Concrete uses Google Apps as part of its IT systems. This includes the use of Gmail for all of its internal and external email communication. All email content sent to, from and between Excel Concrete employees will be stored and processed offshore by Google.

By submitting personal information to Excel Concrete or by participating in email communications with Excel Concrete staff, we will infer your consent to the disclosure of all email content to Google for storage and processing offshore.

Excel Concrete takes reasonable steps to protect your personal information as you transmit your information from your computer to our site and endeavours to protect such information from loss, misuse, interference, and unauthorised access, disclosure, alteration, or destruction.

Personal information will not be disclosed to overseas recipients unless Excel Concrete holds a reasonable belief that the information will remain subject to effective privacy protections and will not be collected, held, used or disclosed by the recipients of the information in a manner inconsistent with this policy.

The handling of personal information by overseas recipients is subject to strict contractual protections flowing out of the agreement between Excel Concrete and Google, as well as Google’s privacy policy, which can be accessed at:

You should keep in mind that no Internet transmission is ever 100% secure or error-free. In particular, e-mail sent to or from other recipients may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail.

How do we treat sensitive information?

The Privacy Act defines 'sensitive information’ as (among other things) information about a person's racial or ethnic origin, religion, membership of political bodies, trade union or other professional or trade association, sexual preferences or practices, criminal record or health. Sometimes it may be necessary for Excel Concrete to collect sensitive information.

If you provide Excel Concrete with sensitive information, it is our policy that this information will be used and disclosed only for the purpose for which it was provided or another directly related purpose, unless you agree otherwise, or unless use or disclosure of this information is allowed by law.

The way we use tax file numbers and information received from a credit reporting body about an individual is also restricted by law.

How do we manage personal information?

Excel Concrete trains its employees who handle personal information to respect the confidentiality of that information and the privacy of individuals.

How do we store personal information?

Excel Concrete is required by the APPs and Part IIIA of the Privacy Act to safeguard the security and privacy of your information, whether you interact with us personally, by telephone, mail, over the internet or other electronic medium. This includes an obligation to take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, modification or disclosure. The APPs also require Excel Concrete not to store personal information for longer than is reasonably necessary to perform its functions or activities.

Excel Concrete stores information both in hard copy paper form and in soft copy electronic form. Where the information is in hard copy and of a sensitive nature, such as pay roll or credit information, Excel Concrete will take particular steps to secure the information, such as to keep it under lock and key. Electronic information is stored using Excel Concrete’s secured IT systems.

Where Excel Concrete no longer requires any personal information that we hold, we will destroy or irretrievably de-identify the information.

How do we keep personal information accurate and up-to-date?

Excel Concrete seeks to ensure that the personal information it holds is accurate, complete and up-to-date. We realise that this information changes frequently with changes of address and other personal circumstances. We encourage you to contact Excel Concrete as soon as possible in order to update any personal information we hold about you. Our contact details are set out below.

Can you access and correct the personal information we hold about you?

You may obtain access to, and correct, any personal information which Excel Concrete holds about you (including credit eligibility information), unless one of the exceptions in the Privacy Act applies.

To make a request to access information Excel Concrete holds about you, please contact Excel Concrete in writing using the details listed below. Excel Concrete will require you to verify your identity and to specify what information you require. Excel Concrete may charge a reasonable fee to cover the cost of verifying the application and locating, retrieving, reviewing and copying any material requested.

If you seek access to credit eligibility information that we hold about you, we will endeavour to provide you with access within 30 days of your request (unless unusual circumstances apply). In order to ensure that you have access to the most up-to-date information, you should also request access to the credit reporting information held by credit reporting bodies about you.

Requests to correct credit information and credit eligibility information will be assessed on a case-by-case basis.

If we are satisfied that the personal information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take reasonable steps to correct the information within 30 days of your request, or such longer period as agreed with you in writing. In certain circumstances, we may need to consult with a credit reporting body or another credit provider to determine the accuracy or otherwise of the information.

If we correct personal information about you, we will give you written notice of the correction within a reasonable time period. We will also notify you in writing if we decide not to correct the information in accordance with the requirements of the Privacy Act.

What if you have a complaint?

If you consider that any action of Excel Concrete breaches this privacy policy, the APPs,, the credit reporting provisions of the Privacy Act or the CR Code, you can make a complaint using the contact details below.. In the first instance, please direct your complaint to the particular Excel Concrete business or activity concerned - they are likely to be in the best position to deal with the matter quickly and effectively.

Please specify the nature of your complaint in writing.

Excel Concrete has an officer appointed to handle complaints and if the matter is not resolved to your satisfaction, please make contact with the relevant officer below. Excel Concrete endeavours to respond promptly to complaints.

If your complaint relates to an alleged contravention of the credit reporting provisions or the CR Code, we will acknowledge your complaint in writing within 7 days and advise you as to how we will deal with it. After investigating the complaint, we will make a decision within 30 days of the complaint being made (or such longer period as agreed with you in writing) and notify you in writing of our decision.
Please note that if you wish to make a complaint about our handling of an access and/or correction request, you may complain directly to the Office of the Australian Information Commissioner (OAIC).

How do you contact us?

If the particular Excel Concrete business or activity is unable to deal with a privacy complaint to your satisfaction, please contact Excel Concrete by e-mail, phone, facsimile or post:

If you are not satisfied with our response to your complaint, you may escalate your complaint to the OAIC by calling 1300 363 992 or emailing enquiries@oaic.gov.au.

Your Consent

By dealing with Excel Concrete or using this site you agree with the terms of this Privacy Policy. Whenever you submit information via this site, you consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy, the Privacy Act 1988 (Cth) and the CR Code (as applicable).

Updates to this Policy

This privacy policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment. All personal information held by Excel Concrete will be governed by Excel Concrete's most recent policy. If you are unsure whether you are reading the most current version, please contact us.